I too received one of their cards in the mail, they only charged me $1500 - They Are NOT HUD. I was very suspicious, but they told me they had a money back guarantee, so I went for it. They had my paperwork for about 5 weeks and I started thinking i got scammed. Then all of a sudden I got a package from WAMU. USA Mortgage Aid got my rate reduced from 6.6% down to 3% for 12 months, then 4% until 2011 then back up to 6.6% thereafter. I have been told I could have gotten that deal on my own, but for me, it was the best $1500 i have ever spent. These guys are legit.